Terms & Conditions

This is a binding legal contract between you (the "User") and Intellixa Inc. (the "Company") governing your access to and use of the Projectzo platform, including the website at www.projectreport.online and all associated software, services, and algorithms (collectively, the "Service").

Users must be at least 18 years of age to access the Service. This Agreement takes effect upon your initial access to or use of the Service. If you do not agree to these terms, you must immediately cease all use of the Service.

By accessing or using the Service, you confirm that you have read, understood, and agree to be bound by these Terms and all applicable laws and regulations.

2.1 Automated Service Disclaimer

The Service is a "Fully Automated Software-as-a-Service (SaaS) Platform" in which all project reports, financial projections, CMA data, ratio analysis, and related outputs are generated through algorithmic and AI-driven processing of user-supplied data. No human drafting, review, or certification is involved in the generation of any report.

2.2 No Manual Intervention

"The Company does not provide manual consultancy, human-assisted report drafting, financial advisory services, or manual verification of data input." Users bear sole and complete responsibility for the accuracy, completeness, and truthfulness of all data they enter into the platform. The quality and accuracy of generated outputs is directly contingent on the quality of input data provided.

Capitalized terms used in this Agreement have the meanings defined below:

• Affiliate — Any entity that controls, is controlled by, or is under common control with the Company, where "control" means ownership of 50% or more of the voting shares or equity interest.
• Country — India.
• Company — Intellixa Inc., the legal entity operating the Projectzo platform.
• Device — Any internet-connected device capable of accessing the Service, including computers, mobile phones, and tablets.
• Service — The automated SaaS website, algorithms, and all associated software and services provided by the Company.
• Website — The Projectzo platform, accessible at https://projectreport.online and related domains.
• User / You — Any individual person or legal entity that accesses or uses the Service.
• Report — Any project report, financial model, CMA data form, or related document generated by the platform.

To access certain features of the Service, you must register for an account by providing accurate, complete, and current information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

"You are strictly prohibited from sharing your login credentials with third parties." The license granted to you is personal and non-transferable. Any sharing of account access constitutes a material breach of this Agreement and may result in immediate account termination.

You agree to notify the Company immediately of any unauthorized use of your account or any other security breach. The Company shall not be liable for any loss or damage arising from your failure to safeguard your account credentials.

You are responsible for ensuring that all persons who access the Service through your account are aware of and comply with these Terms.

Subject to your compliance with these Terms and timely payment of applicable fees, the Company grants you a limited, non-exclusive, non-sublicensable, non-transferable, and revocable license to access and use the Service for your own internal business purposes only.

You expressly agree that you will not:

• Reverse engineer, decompile, disassemble, or attempt to derive the source code or underlying algorithms of the Service;
• Use the Service for competitive analysis or to build a competing product or service;
• Resell, sublicense, lease, or otherwise transfer your access rights to any third party;
• Bypass, disable, or circumvent any license enforcement, security, or authentication mechanism;
• Use automated bots, scrapers, or scripts to access the Service in an unauthorized manner;
• Remove, alter, or obscure any proprietary notices, trademarks, or logos on the platform;
• Use the Service to generate reports for resale to third parties without the Company's express written consent.

The Company reserves all rights not expressly granted in this Agreement.

6.1 Active Security Monitoring

"Every User activity, API call, and system interaction is automatically logged and monitored." The Company employs automated systems to detect and prevent unauthorized, abusive, or malicious use of the platform.

6.2 Zero Tolerance Policy

Detection of any malicious activity — including but not limited to SQL injection attempts, cross-site scripting (XSS), unauthorized data scraping, brute-force attacks, credential stuffing, or any attempt to breach the platform's security infrastructure — will result in immediate and permanent account termination with no prior notice.

6.3 Notification and Evidence

Where a paid subscriber is permanently banned for security violations, the Company will deliver an automated email notification to the registered email address containing system logs and timestamps documenting the detected violation.

6.4 Consequences of Termination

Upon termination for cause, the following consequences apply immediately:

1. Immediate and permanent cessation of all service rights and access;
2. "NO REFUND will be issued" for security violations — all prepaid fees, unused credits, and remaining balances are forfeited as liquidated damages for the breach;
3. The Company reserves the right to pursue civil and criminal legal remedies to the full extent permitted by applicable law.

6.5 Other Termination Grounds

The Company may also terminate your account for: providing false identity information during registration; exceeding maximum project cost limits (Basic plan: INR 1 Crore; Pro DPR plan: INR 50 Crores); making false allegations against the Company; demonstrating clear intent to misuse the platform; threatening the Company's brand or reputation; or engaging in abusive, threatening, or harassing behavior toward support staff.

To the maximum extent permitted by applicable law, the Company, its directors, employees, agents, affiliates, licensors, and service providers shall not be liable for any special, incidental, indirect, consequential, exemplary, or punitive damages of any kind, including but not limited to loss of profits, loss of revenue, loss of data, business interruption, or loss of goodwill — even if the Company has been advised of the possibility of such damages.

"The entire liability of the Company under any provision of this Agreement shall be limited to the amount actually paid by You through the Service during the 12 months preceding the claim, or USD 0 if You have not purchased anything through the Service."

This limitation of liability reflects a reasonable allocation of risk between the parties and is an essential basis of the bargain between you and the Company. Without this limitation, the Company would not be able to provide the Service at the pricing offered.

You agree to defend, indemnify, and hold harmless the Company, its affiliates, licensors, service providers, employees, agents, officers, directors, and successors from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, and fees (including reasonable legal fees) arising out of or relating to:

• Your violation of any provision of these Terms;
• Your use or misuse of the Service;
• Any allegation that content you submit or transmit through the Service infringes or misappropriates the intellectual property rights of any third party;
• Any fraud or misrepresentation in the use of generated reports in securing financing, loans, or government subsidies;
• Your violation of any applicable laws or regulations.

9.1 Ownership

You retain ownership of all data you input into the Service ("User Data"). "By using the Service, you grant the Company a worldwide, non-exclusive, royalty-free license to use, reproduce, and process User Data solely for the purpose of providing the Service and generating the requested reports." This license does not permit the Company to sell your data or use it for any purpose unrelated to the delivery of the Service.

9.2 No Data Loss Guarantee

While the Company employs industry-standard backup and redundancy measures, "the Company does not guarantee that User Data will not be lost, corrupted, or accidentally deleted." You are solely responsible for maintaining independent backups of all data you submit to the platform. The Company shall not be liable for any data loss under any circumstances.

All financial reports, projections, ratio analyses, CMA data forms, and related outputs are generated based on statutory laws, tax rates, interest rate policies, and banking regulations applicable in India at the time of generation.

"The Company does not warrant that a report generated today will remain compliant with future changes in law, tax policy, or banking regulations." If there are subsequent changes to applicable laws, regulations, or banking norms that affect the accuracy or compliance of a previously generated report, it is your sole responsibility to obtain an updated report. The Company is under no obligation to notify users of such changes.

Reports should be reviewed for currency and compliance before submission to any financial institution.

11.1 Payment Obligations

All fees for subscriptions, report credits, or individual report purchases are due immediately upon completion of your order. Access to paid features of the Service is conditional upon successful receipt and verification of payment. The Company reserves the right to modify its pricing at any time with reasonable notice.

11.2 Chargeback Policy

By completing a purchase, you expressly agree not to initiate chargebacks, payment reversals, or payment disputes with your credit card issuer, bank, or payment processor in connection with any transaction with the Company, except in cases of documented unauthorized fraudulent use of your payment method by a third party.

11.3 Chargeback Consequences

Any chargeback initiated by you will result in immediate and permanent termination of your account. The Company reserves the right to report chargeback incidents to credit reporting agencies and fraud prevention databases, and to submit transaction evidence — including logs, timestamps, and generated reports — to the relevant payment processor to contest the chargeback. You may be held liable for any costs, fees, and damages incurred by the Company as a result of a disputed chargeback.

12.1 Non-Refundable Standard

"All sales of Software Licenses, subscriptions, and generated reports are final." No refunds, cancellations, returns, or exchanges will be provided after a transaction has been completed, except as expressly provided in Section 12.2 below.

12.2 Conditional Exception — Calculation Discrepancies

A refund request may be considered only if all of the following conditions are simultaneously satisfied:

• A certified banker or credit officer at an accredited financial institution identifies a material calculation discrepancy in the generated report;
• The claimant provides official written proof from the lender on institutional letterhead, signed by an authorized representative;
• The written proof specifically identifies the erroneous calculation, ratio, or CMA figure;
• The claim is submitted to the Company within 7 working days of the date of purchase.

12.3 Claim Process

Refund claims must be submitted electronically to business[at]projectreport[dot]online. The Company reserves a period of 48 hours to review and verify the submitted evidence. If a genuine calculation error is confirmed by the Company's technical team, a full refund will be issued. If the evidence does not substantiate a calculation error — or if the discrepancy was caused by user data entry errors — the claim will be denied.

12.4 Exclusive Remedy

The conditional exception described in Section 12.2 constitutes your sole and exclusive remedy with respect to any dissatisfaction with the Service. No refunds will be provided for: change of mind; data entry errors made by the user; loan rejection by a financial institution for reasons unrelated to calculation accuracy; failure to read or understand the platform documentation; or any other reason not expressly covered by Section 12.2.

12.5 Refund Method

Approved refunds will be processed to the original payment method used at the time of purchase. The user bears sole responsibility for any currency conversion costs, banking fees, or other charges levied by their financial institution in connection with the refund.

"The Service is provided to You 'AS IS' and 'AS AVAILABLE' and with all faults and defects without warranty of any kind."

To the maximum extent permitted under applicable law, the Company, on its own behalf and on behalf of its affiliates and licensors, expressly disclaims all warranties — whether express, implied, statutory, or otherwise — with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

Without limiting the foregoing, the Company makes no representation or warranty that the Service will meet your requirements, achieve any intended results, be compatible with any other software or system, operate without interruption, meet any performance or reliability standards, or be error-free. The Company does not warrant that any errors or defects will be corrected, or that the Service is free of viruses or other harmful components.

All trademarks, service marks, logos, trade names, and bank names referenced on the platform — including names of financial institutions such as SBI, HDFC, ICICI, and others — are the exclusive property of their respective owners. Any reference to such marks is for identification and descriptive purposes only.

Such references do not imply endorsement by, agreement with, or affiliation with any such institution or organization. The Company makes no claim of ownership over any third-party trademarks and all rights therein remain with the respective owners.

This Agreement is governed by and construed in accordance with the laws of India, without regard to its conflict of law principles. "The courts located in Ahmedabad, Gujarat (India) shall have exclusive jurisdiction to settle any disputes arising under this Agreement."

You irrevocably submit to the personal jurisdiction of such courts and waive any objection to the laying of venue in Ahmedabad, Gujarat, India. Nothing in this section shall prevent the Company from seeking injunctive or other equitable relief in any court of competent jurisdiction.

If any provision of this Agreement is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision will be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, severed from the Agreement. All remaining provisions will continue in full force and effect.

The failure of the Company to exercise or enforce any right or provision of this Agreement shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative of the Company to be effective.

The Company reserves the right to modify, amend, or replace these Terms at its sole discretion at any time. When changes are made, the "Last Updated" date at the top of this page will be revised accordingly.

Your continued use of the Service after any modifications to these Terms constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must immediately discontinue your use of the Service.

We encourage you to review these Terms periodically for any changes. Material changes will be communicated via email or a prominent notice on the platform.

For questions, concerns, or clarifications regarding these Terms and Conditions, please contact the Company at:

Intellixa Inc. — Projectzo
Email: business[at]projectreport[dot]online
Website: projectreport.online